1108 N 28th St, Waco, TX 76707 Property Records

McLennan County property record for 1108 N 28th St, Waco, TX 76707

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 996 sqft · built 1948
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$97,900 (Mar 2019)
Tax Bill	$3,526 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`48-019900-024800-5`

Property Details

APN / Parcel Number

Primary APN	`48-019900-024800-5`
Alternative APNs	`4801990002480050111` `174472`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	996 sqft Living Area
Gross Area	1,316 sqft
1st Floor Area	996 sqft
Flooring	Carpet

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1965
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	840 sqft
Driveway	Concrete Driveway
Driveway Area	560 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	320 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1108 N 28TH ST
City	WACO
State	TX
Zip	76707-2625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	GINOCCHIO LOT 12C 13C 14C BLOCK 21 ACRES .21
Legal Subdivision	GINOCCHIO
Legal Block	21
Legal Lot Number	12C
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	1
Census Block	1008
Census Tract	800

Owner

Source: McLennan County records, as of August 31, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5190 W REDBRIDGE DR, BOISE, ID 83703-3432
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Mar 31, 2017	Loan Modification, Mortgage ALLIANCE BK CTRL TX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2019 · Amount on Record
Deed Sale	Mar 25, 2019 · Amount on Record
Prior Sale	Jun 2, 2015
Deed Document Number	20199834
Prior Transfer Date	Mar 22, 2019
Prior Transfer Doc	0000009834
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	1108 N 28TH ST, WACO, TX 76707-2625
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042759
Date	Dec 1, 2020
Instrument	2020042759

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	1108 N 28TH ST, WACO, TX 76707-2625
Document Number	0000019267
Instrument Date	Mar 31, 2017
Transaction Type	Mortgage
Record Updated	Jun 27, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4914 FORT AVE WACO TX 767105959, WACO, TX 76710-5959

Mortgage

Document Number	0000019267
Date	Jun 15, 2017
Instrument	19267

Lender

Name	ALLIANCE BK CTRL TX
Type	Bank
Address	WACO, TX 76710

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jun 14, 2022

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Municipality	Waco City
Unified School District	Waco Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$176,555 (+12.58%) Land $25,979 Building $150,576	$176,555 (-5.09%) Land $25,979 Building $150,576
2025	$3,526.00 (+20.26%)	$156,830 (+20.64%) Land $23,600 Building $162,420	$186,020 (+43.09%) Land $23,600 Building $162,420
2024	$2,932.00 (+0.62%)
2023		$130,000 Land $23,600 Building $106,400	$130,000 Land $23,600 Building $106,400
2022	$2,914.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	Jun 2026 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.3% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WACO serves 146,241 people · EPA ID TX1550008
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 562 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Central Link Broadband, T-Mobile.

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